FRE54101

WARNINGReport Inconsistencies

Official message text · Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04)

The appraisal report indicates that within the Exterior Features table the Exterior Walls and Trim Condition Status is Damaged and Nonfunctional, and that the appraised value is Subject to Repair. Please ensure the Condition Status reflects the future resolved condition of that item.

Warning — the submission can still come back Successful, but the finding is surfaced to your lender's review team.

What triggers FRE54101

FRE54101 is a Freddie Mac proprietary finding (Report Inconsistencies). It is returned by Loan Collateral Advisor®/UCDP® after your lender submits — this layer is explicitly outside the GSE UAD Compliance API, so your form software's built-in check does not run it. The first time most appraisers see it is in a revision request.

• Checked for the Subject property.
• Bound to MISMO data point ImprovementComponentConditionStatusType

How to fix it

On the URAR, this lives at: Dwelling Exterior → Quality and Condition. Complete or correct that field in your form software, regenerate the package, and re-check before submission.

The free UADCheck inspection evaluates FRE54101 automatically — attach your package and see in seconds whether it fires.

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Related messages

Source: Freddie Mac Collateral Feedback Messages for UAD 3.6 (2026-08-04) (public GSE document). Verified against the published spreadsheet; not affiliated with Fannie Mae or Freddie Mac.